Real time bank-centric universal payment system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5974146
SERIAL NO

08903102

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DATATREASURY CORPORATIONPLANO, TX13
ENT. SERVICES DEVELOPMENT CORPORATION LPHOUSTON, TX139

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bartlett, Rick Saratoga, CA 2 363
Ercole, Richard Westerville, OH 2 363
Fontana, Fabio Mountain View, CA 5 374
Fredelake, Jodie M Columbus, OH 2 363
Geer, Terry L Pickerington, OH 7 1092
James, David L Dublin, OH 9 681
Lampru, Paul Roswell, GA 2 363
Murphy, Robert W Layfayette, CA 9 496
Randle, William Bexley, OH 2 363
Roman, Dennis Novato, CA 2 363
Rosenberg, Ruth Layfayette, CA 4 446
Tran, Tuong T Mountain View, CA 2 363

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

Patent Citation Ranking

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United Services Automobile Association (2)
* 8600871 Credit and prepaid financial card 1 2008
8380591 System and method for providing warning and protection for bill payments 0 2009
 
JPMORGAN CHASE BANK, N.A. (2)
8515868 Multiple account advanced payment card and method of routing card transactions 1 2011
8751383 Multiple account advanced payment card and method of routing card transactions 0 2013
 
DUN & BRADSTREET, INC. (1)
6950809 Facilitating a transaction in electronic commerce 14 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (16)
* 6128603 Consumer-based system and method for managing and paying electronic billing statements 407 1997
6304857 Distributed electronic billing system with gateway interfacing biller and service center 141 1998
6968319 Electronic bill presentment and payment system with bill dispute capabilities 70 1999
7822683 System and method for secure third-party development and hosting within a financial services network 2 2000
* 2001/0032,181 System and method for secure third-party development and hosting within a financial services network 121 2000
* 2002/0065,772 System, method and program for network user access 29 2001
7516101 Electronic bill presentment and payment system with bill dispute capabilities 5 2004
7478066 Electronic bill presentment and payment system 20 2004
7620602 System and method for secure third-party development and hosting within a financial services network 2 2004
* 2005/0131,814 System and method for secure third-party development and hosting within a financial services network 3 2004
7636689 Consumer-based system and method for managing and paying electronic billing statements 6 2004
7610245 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0065,883 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0197,957 Parcel manager for distributed electronic billing system 17 2005
* 2005/0187,875 Parcel manager for distributed electronic billing system 0 2005
* 2011/0035,303 System and Method for Secure Third-Party Development and Hosting within a Financial Services Network 3 2010
 
BANK OF AMERICA CORPORATION (1)
* 2011/0166,989 OFFSETTING LIABILITIES AND ATTRIBUTING REWARDS 2 2010
 
CashEdge, Inc. (8)
* 2003/0236,728 Method and apparatus for managing a financial transaction system 88 2003
* 2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 67 2006
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 20 2007
* 2008/0288,400 Centralized Payment Method and System for Online and Offline Transactions 15 2008
* 2008/0301,023 Multi-Channel and Cross-Channel Account Opening 10 2008
* 2010/0030,687 Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks 64 2009
* 2010/0042,539 Money Movement Network Hub System 4 2009
* 2010/0042,538 Money Movement Network Method 24 2009
 
RENSSELAER POLYTECHNIC INSTITUTE (2)
7177798 Natural language interface using constrained intermediate dictionary of results 138 2001
* 2002/0059,069 Natural language interface 27 2001
 
CONVERGEX GROUP, LLC (4)
7769658 Commission management system 2 2009
* 2009/0216,670 COMMISSION MANAGEMENT SYSTEM 0 2009
8433629 Commission management system 0 2010
* 2011/0010,284 COMMISSION MANAGEMENT SYSTEM 0 2010
 
METAVANTE CORPORATION (13)
7945491 Integrated systems for electronic bill presentment and payment 5 2000
* 2002/0019,808 Integrated systems for electronic bill presentment and payment 60 2000
* 2001/0037,295 Push model internet bill presentment and payment system and method 104 2001
7734543 Electronic bill presentment and payment system 11 2001
* 2002/0002,536 Electronic bill presentment and payment system 48 2001
7370014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 9 2001
8799157 Business combined bill management system and method 0 2002
8751384 Integrated bill presentment and payment system and method of operating the same 0 2002
* 2003/0233,317 Methods and systems for transferring funds 66 2002
7958049 System and method for obtaining customer bill information and facilitating bill payment at biller websites 11 2003
* 2004/0210,520 Bill payment payee information management system and method 19 2003
* 2003/0191,711 System and method for obtaining customer bill information and facilitating bill payment at biller websites 91 2003
* 2004/0215,560 Integrated payment system and method 73 2003
 
EFUNDS CORPORATION (2)
* 2003/0050,892 Electronic point-of-sale check processing method and system 17 2001
* 2003/0061,171 System for and method of effecting an electronic transaction 55 2002
 
PRECASH, INC. (5)
* 6185545 Electronic payment system utilizing intermediary account 224 1999
8086530 Electronic payment system utilizing intermediary account 7 2000
* 2001/0001,321 Electronic payment system utilizing intermediary account 66 2000
* 2007/0150,414 System and method for facilitating payment transactions 6 2007
8234214 System and method for facilitating large scale payment transactions 0 2011
 
STANDARD CHARTERED UK HOLDINGS LIMITED (2)
7110980 System and method for facilitating electronic transfer of funds 3 2003
* 2003/0236,726 System and method for facilitating electronic transfer of funds 5 2003
 
Viewpointe Clearing, Settlement & Association Services, LLC (3)
* 7725389 Clearing house settlement system 2 2003
8364562 System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house 0 2008
* 2008/0319,880 SYSTEM, COMPUTER PROGRAM AND METHOD FOR PROCESSING PRESENTMENT AND ADJUSTMENT INFORMATION TO INSTITUTIONS PARTICIPATING IN A REGIONAL OR NATIONAL CLEARING HOUSE 1 2008
 
MOBILASTIC TECHNOLOGIES PTE LTD (1)
* 2004/0104,097 Secure transfer of digital tokens 10 2003
 
CASH EDGE, INC. (1)
* 2008/0208,737 Funds Transfer Method and Apparatus 5 2008
 
CC SERVE CORPORATION (3)
7676395 On-us cash withdrawal at a point-of-sale 0 2005
7676415 On-us cash withdrawal at a point-of-sale 0 2007
* 2008/0120,233 On-us cash withdrawal at a point-of-sale 3 2007
 
ALCATEL LUCENT (4)
* 9363100 Access system and network architecture with access system 0 2008
* 2009/0043,894 ACCESS SYSTEM AND NETWORK ARCHITECTURE WITH ACCESS SYSTEM 2 2008
* 7948377 Smart mediation and reaction system for protecting interdependent critical infrastructures 2 2008
* 2009/0079,562 SMART MEDIATION AND REACTION SYSTEM FOR PROTECTING INTERDEPENDENT CRITICAL INFRASTRUCTURES 1 2008
 
III HOLDINGS 1, LLC (2)
7021532 Transaction authorization system and method 8 2004
* 2005/0269,398 TRANSACTION AUTHORIZATION SYSTEM AND METHOD 6 2004
 
COINSTAR, LLC (36)
8033375 Methods and systems for exchanging and/or transferring various forms of value 8 2003
7865432 Methods and systems for exchanging and/or transferring various forms of value 29 2003
7653599 Methods and systems for exchanging and/or transferring various forms of value 32 2003
6957746 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 77 2003
7014108 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 48 2003
* 2004/0031,847 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 3 2003
7815071 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 14 2004
7131580 Coin counter and voucher dispensing machine and method 49 2005
7748619 Card dispensing apparatuses and associated methods of operation 21 2005
* 2007/0125,845 Card dispensing apparatuses and associated methods of operation 7 2005
7331521 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 42 2006
* 2006/0108,414 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 1 2006
7464802 Method and apparatus for conditioning coins prior to discrimination 29 2006
7303119 Coin counter and voucher dispensing machine and method 49 2006
7520374 Coin discrimination apparatus and method 43 2007
7527193 Coin counter and voucher dispensing machine and method 15 2007
8332313 Methods and systems for exchanging and/or transferring various forms of value 11 2008
7874478 Coin counter and voucher dispensing machine and method 43 2009
8103586 Methods and systems for exchanging and/or transferring various forms of value 5 2009
8038059 Card dispensing apparatuses and associated methods of operation 4 2010
8550294 Card dispensing apparatuses and associated methods of operation 8 2010
9290338 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 0 2010
* 2010/0327,005 APPARATUSES AND METHODS FOR DISPENSING MAGNETIC CARDS, INTEGRATED CIRCUIT CARDS, AND OTHER SIMILAR ITEMS 23 2010
9233812 Card dispensing apparatuses and associated methods of operation 0 2010
* 2011/0071,666 CARD DISPENSING APPARATUSES AND ASSOCIATED METHODS OF OPERATION 2 2010
8874467 Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same 2 2011
9129294 Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like 1 2012
9036890 Optical coin discrimination systems and methods for use with consumer-operated kiosks and the like 0 2012
8967361 Coin counting and sorting machines 2 2013
9227800 Multi-function card handling apparatus and methods of operation 0 2013
9022841 Coin counting and/or sorting machines and associated systems and methods 2 2013
9443367 Digital image coin discrimination for use with consumer-operated kiosks and the like 0 2014
9235945 Coin input apparatuses and associated methods and systems 0 2014
9230381 Coin counting and sorting machines 0 2014
9183687 Coin counting and/or sorting machines and associated systems and methods 0 2015
9594982 Optical coin discrimination systems and methods for use with consumer-operated kiosks and the like 0 2015
 
C HECKFREE CORPORATION (1)
* 2006/0184,451 Integrated electronic presentment and payment of bills by different entities 5 2005
 
COMPUCREDIT (1)
* 2007/0007,333 On-us cash withdrawal at a point-of-sale 15 2005
 
EARTHLINK BUSINESS, LLC (3)
* 8095624 Architecture for serving and managing independent access devices 1 2000
* 2002/0087,670 Architecture for serving and managing independent access devices 6 2000
9461892 System and method for serving and managing independent access devices 0 2015
 
BRINK'S NETWORK, INC. (7)
* 2011/0035,316 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 49 2007
* 2009/0006,249 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 19 2007
8844804 Process of and system for facilitating cash collections deposits and deposit tracking 0 2008
* 2011/0031,306 PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING 1 2008
* 2009/0032,580 PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING 16 2008
* 2009/0222,381 PROCESS OF AND SYSTEM FOR FACILITATING CHECK PROCESSING AT POINT OF SALE AND ACCELERATED CREDIT FOR CHECK TRANSACTIONS 3 2009
9495705 Process of and system for facilitating cash collections deposits and deposit tracking 0 2014
 
FIRST DATA MERCHANT SERVICES (1)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
 
MONEYGRAM INTERNATIONAL, INC. (1)
* 2013/0325,720 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 1 2013
 
REGULATORY DATACORP, INC. (10)
8140415 Automated global risk management 6 2001
* 2002/0138,407 Automated global risk management 36 2001
* 7899722 Correspondent bank registry 6 2002
8209246 Proprietary risk management clearinghouse 4 2003
8121937 Gaming industry risk management clearinghouse 0 2003
8996481 Method, system, apparatus, program code and means for identifying and extracting information 0 2004
8762191 Systems, methods, apparatus, and schema for storing, managing and retrieving information 1 2004
8843411 Gaming industry risk management clearinghouse 0 2012
9063985 Method, system, apparatus, program code and means for determining a redundancy of information 0 2013
9058581 Systems and methods for managing information associated with legal, compliance and regulatory risk 0 2013
* Cited By Examiner